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Shouldn't be if they're each only tied to a single security as you have described. :)

I've found most clients I've picked up from other brokers who were dissatisfied with their service give that impression. Even if it takes all of ~30 minutes more work in most of these cases. Service before self. :)

Good thing you noticed this early, definitely x-coll. Setup 2x 50k loans with only one security listed on each. Quiz the broker as to why he was recommending the x-coll, might be worth giving them the flick if they can't see the long term issues with structuring in this way.